Privacy Policy

1. Scope of this Privacy Policy

This Privacy Policy explains how RANBHI TRADERS ("we", "us", "our") handles information in connection with:

• the Loan RanbhiEMI mobile app for Android and iOS;
• privacy and support emails you send us; and
• this website, https://ranbhitraders.com.

It covers information kept on your device and information that third-party software development kits (SDKs) built into the app may process.

This policy is not a loan agreement, sanction letter, key fact statement or any other lender document. If we later add features such as sign-in, payments or submission of applications to a lender, we will update this policy before those features are released.

2. Who we are

Loan RanbhiEMI is developed and operated by RANBHI TRADERS, 39/278, Shree Samartha CHS, Shivai Nagar, Thane (W), Maharashtra 400606, India. We are the party responsible for the information described in this policy.

For any privacy question or request, write to info@ranbhitraders.com. Full contact details are in the last section of this policy and on our contact page.

3. Loan RanbhiEMI features

Loan RanbhiEMI is a personal finance utility. Depending on the version you have installed, it offers:

• calculators and planning tools, such as EMI, eligibility, affordability, interest, comparison and early-repayment calculators;
• a way to contact our support team by email.

Calculator results are estimates for guidance only. They are not an offer, a sanction or a promise of any loan or credit facility.

4. Information you provide

The app does not ask you to create an account. The figures you type into the calculators, such as loan amount, interest rate and tenure, are used to show you a result and stay on your device. If you email us, we receive whatever you choose to include in your message.

5. Information processed automatically by SDKs

The third-party SDKs listed in this policy may automatically process the following technical information:

• the advertising ID or a similar resettable identifier, where available and permitted;
• device model, operating system version, app version, language and other general device characteristics;
• IP address, network type, carrier and approximate country or region;
• app interactions, such as screens viewed, session times, features opened and ad events;
• crash traces, errors, diagnostics and performance measurements;
• Firebase installation identifiers and other SDK-specific identifiers;

6. Device permissions

We request the minimum access the app needs.

Android

iPhone and iPad

• Tracking (App Tracking Transparency): the app asks for your permission before the advertising identifier (IDFA) is used. If you choose "Ask App Not to Track", the identifier is not shared.

The app does not request access to your contacts, precise location, phone number, SMS messages, call logs, microphone, camera, or your full photo, video or file storage.

7. How we use information

• to run and maintain the app and its screens;
• to show calculations and general financial guidance;
• to reply to your support emails;
• to measure installs, usage, performance, crashes and errors so that we can improve the app;
• to show ads, limit how often they appear and fix problems with them;
• to prevent fraud, abuse and security incidents, and to comply with the law.

8. Legal basis, notice and consent

We process personal data on one or more of these grounds: your consent; the need to provide a feature you asked for; legitimate uses permitted by law; and legal obligations that apply to us.

When we ask for consent, we aim to make the request clear and limited to a stated purpose. Where withdrawal is available you may withdraw consent at any time, although optional features that depend on it may stop working.

We aim to follow applicable data protection law, including India's Digital Personal Data Protection Act, 2023 and the rules made under it, to the extent it applies to us.

9. Storage on your device

• Information you enter in the app is saved in the app's private storage on your device.
• It is linked to that installation of the app. The current version does not sync it to an online account or to servers operated by RANBHI TRADERS.
• The operating system isolates each app's private storage from other apps, but no method of storage is completely secure.
• You are responsible for protecting your device: use a screen lock, keep the system updated and avoid rooted, jailbroken or untrusted devices.
• Clearing the app's data or uninstalling the app removes this information.

10. When information may be shared

• We do not sell your personal information.
• Limited technical, usage, diagnostic, advertising data is processed by the SDK providers listed in the next section.
• We may disclose information when the law or a legal process requires it, or to protect the rights, security and safety of our users, the public or ourselves.
• If we connect the app to a lender or other financial partner in future, we will update this policy first and ask for your consent where the law requires it.

11. Third-party SDKs and service providers

The app uses the following services. Each provider processes data under its own terms and privacy policy, keeps it for its own retention periods and may process it in other countries.

12. Advertising and advertising identifiers

• Loan RanbhiEMI is supported by advertising and may show banner, interstitial, native and app-open ads.
• Ad providers may use device, advertising-identifier and contextual information to deliver ads, limit repetition and measure results.
• On Android you can reset or delete your advertising ID under Settings > Privacy > Ads. On iPhone and iPad you can control tracking under Settings > Privacy & Security > Tracking. You can also manage personalised ads at adssettings.google.com.

13. Analytics, crash reporting and performance monitoring

• Analytics records screen views, features opened, whether the app is in the foreground, session length and selected technical events.
• Crash reporting records stack traces, error details and the state of the app and device when a problem occurred.
• These tools are used to improve the app. They are not used to decide whether anyone is eligible for credit.

14. Support and email communications

• The "Email Support" option opens your own email app. Your message, your email address and anything you attach are sent by you through your email provider.
• We keep the emails we receive for as long as we need them to reply, keep records, prevent abuse and meet legal duties.
• Please do not send full identity documents, bank passwords, OTPs, PINs or card CVV numbers by email.

15. Data security

• Information on your device is kept in the app's private, sandboxed storage.
• We keep permissions to a minimum.
• Communication with third-party services uses encrypted connections.
• No system can be guaranteed to be completely secure. If a security incident affects personal data, we will respond appropriately and notify affected users and authorities where the law requires.

16. Data retention

• Information in the app: stays on your device until you overwrite it, clear the app's data or uninstall the app.
• SDK data: kept by each provider according to its own retention schedule.
• Support emails: kept for as long as reasonably necessary, then deleted or made anonymous.

17. Data deletion

Step-by-step instructions are on our Delete Your Data page.

• The app does not create an online account or upload the details you enter, so you can delete them yourself at any time: clear the app's storage in your device settings, or uninstall the app.
• To ask us to delete, correct or restrict support emails or any other record we hold, write to info@ranbhitraders.com. We may need to confirm your identity, and we may keep some records where the law requires.
• If we add online accounts or server storage in future, we will provide a way to delete your account and its data, inside the app and on this website.

18. Your privacy rights

Subject to the law that applies to you, you may:

• Access the personal data we hold about you;
• ask us to correct inaccurate or incomplete data under our control;
• ask us to erase data where the law allows;
• withdraw consent where processing is based on consent;
• raise a grievance about how your data has been handled; and
• use any other right given to you by data protection law.

Because most information is stored only on your device, we usually do not hold a copy. You can edit or remove it using the app or your device settings. We may ask you to verify your identity before we disclose or delete any information.

19. Children and age eligibility

• Loan RanbhiEMI is intended only for adults aged 18 or over.
• The app is not designed for or directed at children, and we do not knowingly collect children's personal data.
• If you believe a child has given us personal data, write to info@ranbhitraders.com and we will delete it. Information stored only on a device should be removed using that device's settings.

20. International processing and cross-border transfers

The advertising, analytics, crash-reporting, performance and notification providers we use may store or process technical data in countries other than the one you live in, including outside India. Such transfers depend on each provider's infrastructure, contracts and settings. This does not mean every type of data is transferred abroad.

21. Legal, safety and business disclosures

We may keep or disclose information to comply with a law, regulation or court order; to investigate fraud or security incidents; to enforce our terms; to protect users; or to bring or defend legal claims. If our business is merged, acquired or its assets are transferred, information may be transferred as part of that transaction where the law allows, and we will give notice where required.

22. External services and third-party links

The app and this website may open or connect to services we do not control, such as your email app, Google Play, the App Store, ad networks, notification services and other websites. Each has its own privacy practices, for which we are not responsible. Please read their policies before sharing information with them.

23. This website

• Contact form: when you use the form on our contact page, we receive your name, email address, phone number (if given) and message, and use them only to reply to you.
• Cookies and analytics: this website may use cookies and Google Analytics to understand how it is used.
• Advertising: this website may show ads served by Google AdSense. Google and its partners may use cookies to show ads based on your visits to this and other websites. You can opt out of personalised advertising at adssettings.google.com, and read how Google uses data at policies.google.com/technologies/partner-sites.
• Use of the website is also covered by our Terms of Use.

24. Changes to this Privacy Policy

We may update this policy when the app, its SDKs, our business practices or the law change, or when new financial features are added. The "Last updated" date at the top of the page shows the latest version. We may tell you about important changes inside the app or by other suitable means, and we encourage you to read the policy again after any significant update.

25. Contact, privacy requests and grievances

Company

RANBHI TRADERS

App

Loan RanbhiEMI

Address

39/278, Shree Samartha CHS, Shivai Nagar, Thane (W), Maharashtra 400606, India

Email

info@ranbhitraders.com
ranbhi.trader@gmail.com

Website

https://ranbhitraders.com

Please use the subject line "Loan RanbhiEMI Privacy Request" so that we can deal with your message quickly. Never include passwords, OTPs, UPI PINs, card PINs or CVV numbers in a request. You can also reach us through our contact page or the App Support page. Use of the app is governed by the App Terms and Conditions.